Vic Biscoe at Direct Mortgage Loans

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Vic Biscoe at Direct Mortgage Loans Licensed mortgage lender offering VA, FHA, USDA, and conventional loans, refinancing, and HELOCs. Business Development Manager
NMLS 147655

Local loan officers providing expert home-buying guidance from application to closing. Please allow me to introduce myself, I am Vic Biscoe and I have been in mortgages for 22 years, time flies when you are having fun!!! I have lived in Baltimore my whole life and am a graduate of Calvert Hall, go Cards!!! I have a beautiful Wife and Daughter that keep me grounded and have supported me in my business and don’t give me too much gruff about working weekends and nights when necessary. I truly am 100% referral through past clients, friends, family and my referral partners. My goal is to provide you with the kind of service so that you will refer me to anyone you know that might need mortgage assistance. I provide that service by explaining everything that will happen so that you are truly prepared for the financing aspect of purchasing a new home. An educated borrower makes my job a lot easier and setting the expectations upfront is a great way to avoid any confusion. I will never tell a client that they can’t buy or refinance a house but will let them know how we can get to that goal. It does surprise me how many people will leave their biggest purchase to a call center or some random guy that they might find in the phone book or online, you need someone that you can trust and that will be 100% accountable and will get the job done right. I could post hundreds of testimonials on this site but that is not what I want to do, I would rather you ask the person that referred you to me how good of a job I did for them. I am always available to discuss your financing options, whether purchasing a new home or refinancing your existing mortgage or maybe a second home or investment property. I pride myself on the level of service and that means quick responses. Preparing to purchase a new home is exciting and can also be stressful. Let me take the stress out of your financing and let's get started on the path to your new home!!!

Fall into Homeownership This November! Think buying a home has to wait until spring? Not necessarily!November can be a g...
11/06/2026

Fall into Homeownership This November!

Think buying a home has to wait until spring? Not necessarily!
November can be a great time to start your homebuying journey, and getting prepared now can put you in a stronger position when you find the right home.

3 things every borrower should know:
-Get pre-approved early. Know your estimated budget and understand what you may qualify for before you start house hunting.
-Don't focus on the interest rate alone. Your monthly payment can also include property taxes, homeowners insurance, mortgage insurance, and HOA dues.
-Avoid big financial changes. Opening new credit cards, financing a vehicle, or making large unexplained deposits can complicate your mortgage approval.

Your dream home doesn't have a season. Let's make a plan to get you one step closer to homeownership!
Go Direct.

Qualifying for a certain amount doesn’t always mean you should spend that amount. 🏡Before you start house hunting, ask y...
11/03/2026

Qualifying for a certain amount doesn’t always mean you should spend that amount. 🏡
Before you start house hunting, ask yourself what monthly payment actually fits your life. Leave room for savings, travel, everyday expenses, and the unexpected.
Start with the payment you want. Then work backward to the price.

Stop Renting. Start Exploring Your Homeownership Options.Ten minutes could be the first step toward owning a home instea...
10/19/2026

Stop Renting. Start Exploring Your Homeownership Options.

Ten minutes could be the first step toward owning a home instead of renewing your lease.

If you've found a home you're interested in, send us the address along with your household size. We'll help determine whether the property may qualify for a USDA loan and walk you through your next steps.

You might be closer to homeownership than you think and we're here to help make the process simple.

đź“© Message us today to get started!

Buying a home isn’t just about how much you can qualify for. It’s about finding a payment that fits your life today and ...
10/16/2026

Buying a home isn’t just about how much you can qualify for. It’s about finding a payment that fits your life today and your financial goals for tomorrow.

Your maximum approval, comfortable payment, and long term goals can all point to different numbers. Take a closer look at the full picture before deciding what you want to spend.

Calculate the payment. Then decide what you want it to be. Go Direct.

Getting pre-approved is exciting, but what you do after approval can impact your loan and closing.Until you have the key...
10/13/2026

Getting pre-approved is exciting, but what you do after approval can impact your loan and closing.

Until you have the keys, avoid these 5 common mistakes: financing a new car, opening new credit, making large unexplained deposits, changing jobs without talking to your lender, or running up credit card balances.

When in doubt, ask your lender first. A quick conversation can help keep your home purchase on track.

Buying a home is exciting, but a few common mortgage mistakes can cost you more than you expect. 🏡💰From focusing only on...
10/09/2026

Buying a home is exciting, but a few common mortgage mistakes can cost you more than you expect. 🏡💰

From focusing only on the monthly payment to making a big purchase before closing, the details matter. Understanding your loan options, closing costs, and financial picture can help you make more informed decisions throughout the process.

Before you make a move, talk to your lender first.

Think your credit score is the only thing standing between you and a home loan? Think again. 🏡Lenders look at the whole ...
10/06/2026

Think your credit score is the only thing standing between you and a home loan? Think again. 🏡

Lenders look at the whole picture, including your credit history, payment history, income, debt, assets, and reserves.

Your number matters, but it’s only part of the conversation. When you’re ready to explore your options, Go Direct.

Buying a home takes more than just a down payment. 🏡💰 From closing costs and inspections to earnest money, appraisals an...
10/02/2026

Buying a home takes more than just a down payment. 🏡💰 From closing costs and inspections to earnest money, appraisals and reserves, knowing what to expect can help you plan with confidence.
Want to know how much you may need to buy your next home? Let’s talk!

Address

1447 York Road
Lutherville, MD
21093

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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